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Can someone else make a payment toward my student loan on my behalf?

Yes. There are a few different ways to do this.

Send a check. The payment must include the client's Earnest account number. Ideally, it would also include the client's first and last name. Please note that it takes us 2-4 business days to process a mailed check. 

Set up a wire transfer or electronic funds transfer from your bank. This method has the same policies and timeline as as a paper check.

[Authorized Third Parties] Call Client Happiness to set up a payment. If you're authorized as a third party, we'll ask you to verify both the client's and your own identity. Once verified, we'll be able to confirm basic account information to you. To make a payment, you will need to provide the routing and account number of a checking or savings account for us to pull the payment from.

[Unauthorized Third Parties] Call Client Happiness to request a payment. To know what account to look for, we will need the client's first name, last name, and one of the following: Earnest account number, mailing address, phone number, email address. In addition, we will need an account and routing number of a checking or savings account from which to pull the payment.

For information on paper check payment processing times, click here.

For our mailing address, click here.

For information on authorizing a third party on your Earnest account, click here.

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